Aeroplan Points Guide: Earning, Transfer Partners, and Redemptions

The card hub is best credit cards in Canada. The co-brand lineup is best Aeroplan credit cards. Pricing a redemption you have already found is the points valuation guide. Running earn rates you typed yourself is the rewards calculator. The premium co-brands are in the premium comparison.

How do you earn Aeroplan points in Canada?

You earn them by flying Air Canada and partners, by spending on a co-brand card, by converting another program, and by the retail partners Aeroplan lists. This page quotes the card earn rates that were on issuer pages in September 2026. It does not quote a flight-earning chart, because that chart was not the page under review. Check aircanada.com for the accrual on the fare you buy.

Welcome bonuses are extra and they expire as offers. On the Amex compare page in this review, a new Aeroplan Card cardmember could earn 35,000 points after $7,500 in the first 6 months and 10,000 more after $1,000 in month 13. A new Reserve cardmember could earn 60,000 after $7,500 in the first 3 months and 25,000 more after $2,500 in month 13. Amex says current or former cardmembers with that card are not eligible. TD’s Privilege page listed 20,000 points on the first purchase, 30,000 after $12,000 in 180 days, and 50,000 after $24,000 in the first 12 months. TD also describes the package as “up to $3,300 in value.” That dollar figure is TD’s, not an independent valuation. Offers move. Read the application.

The $120 Aeroplan card is labelled a charge card on Amex’s compare page, and the Reserve card is labelled a credit card. The footnotes on that page define the difference. Do not assume a charge card lets you carry a purchase balance the way a credit card does.

Which programs convert into Aeroplan?

Aeroplan’s Canada conversion page is the list that matters for a Canadian account. Retrieved on September 27, 2026, that page included the hotel and bank ratios below. It did not, in the copy returned for that URL, include an American Express Canada block. Aeroplan’s US-English conversion page did include “American Express Membership Rewards – Canada,” at 1,000 Membership Rewards points to 1,000 Aeroplan points, in increments of 100, minimum 1,000 per transfer, and it said transferred points cannot move back. If the block is missing when you open the Canada URL, do not transfer until the ratio is on the screen in front of you. Select-tier and some other Membership Rewards tiers are called out as ineligible on that US-English page. Read the sentence before you move Cobalt points. Cobalt’s own earn rate is not restated here. It is on the Cobalt review, and it still has to match the issuer page that day.

The same Canada page also lists US and overseas bank programs, including Chase Ultimate Rewards at 1,000 to 1,000 and Capital One miles at 1,000 to 1,000, with eligibility rules that point at US-issued cards. A Canadian-issued card does not get those transfers just because the logo is familiar. Hotel points usually convert at a loss against using them for a room. Convert them when the flight you want is the better use, not because a ratio looks round.

How do you redeem without a fake sweet spot?

TD’s Privilege page says every Air Canada seat available for cash is also available for points, with no blackout periods. That is a description of availability, not a price. The points required move with the cash fare. The valuation method is: find the cash price of the itinerary you would actually buy, subtract the taxes and fees the award still charges, divide by the points, and multiply by 100 to get cents per point. If you would not pay that cash price, do not use it as the numerator. The worked version is the valuation guide.

TD’s page also says a primary Privilege cardholder who spends $25,000 in net purchases receives an annual companion pass to buy a companion ticket from $99 plus taxes, fees, charges, and surcharges. Amex’s compare page describes a companion pass on Aeroplan cards after $25,000, at a fixed base fare from $99 up to $599 plus taxes and fees. A companion fare is not free. Price it against two cash tickets before you count it as a reason to spend $25,000.

Aeroplan’s “your Aeroplan” page says you have 18 months to keep points from expiring by earning or redeeming a single point. TD’s Privilege page says points will not expire as long as you are a primary cardholder in good standing. If you cancel the card, the 18-month rule is the one to assume until Aeroplan tells you otherwise. Family sharing is described on TD’s page as up to eight family members. The program rules for who may join a family are on Air Canada’s site. This review did not restate them beyond TD’s sentence.

Frequently asked questions

What is an Aeroplan point worth in cents?

Whatever the next redemption you will actually book pays, after taxes and fees. This page does not publish a single number, because Air Canada’s pricing is dynamic and a fixed “sweet spot” goes stale. Use the division in the example with live fares. The rewards calculator will then take that cents-per-point figure and apply it to earn rates you type.

Do Membership Rewards transfer to Aeroplan at 1:1?

Aeroplan’s US-English conversion page said that for American Express Membership Rewards – Canada: 1,000 points become 1,000 Aeroplan points, minimum 1,000, increments of 100. The Canada URL retrieved the same day listed hotel and foreign-bank partners and did not include that block in the text returned. Confirm the ratio on the page you see. Points that have moved cannot be moved back.

Is the Reserve card’s 3 points per dollar on Air Canada better than Privilege’s 2?

On Air Canada spend, 3 is more than 2, at the same $599 fee, if the merchant takes American Express. Privilege earns 1.5 on gas, grocery, and dining and runs on Visa. The premium comparison is the side-by-side. Acceptance decides it as often as the multiplier does.

Do Aeroplan points expire?

Aeroplan says you have 18 months, and that earning or redeeming one point keeps the balance alive. TD says Privilege points do not expire while you are a primary cardholder in good standing. Cancel the card, wait 18 months, and do not assume the TD sentence still applies.

Should I transfer Marriott points to Aeroplan?

Only when the flight beats the hotel stay you could have booked, and when the 5,000-point bonus on a conversion of at least 60,000 Bonvoy points is part of a transfer you were going to make anyway. Three Bonvoy points become one Aeroplan point. That is a poor trade if you were about to book the hotel.

Are the points taxable?

Personal points on your own spending are generally a discount, not a slip you invent. Business spending, and points bought or transferred in a business, are a bookkeeping question. This is not tax advice. The business-card guide is the neighbouring article.

Sources

• Aeroplan: convert points (Canada)
• Aeroplan: convert points, including Membership Rewards Canada (US-English page)
• Aeroplan: keep points active, 18 months
• American Express: compare Aeroplan cards
• TD Aeroplan Visa Infinite Privilege